浙江省农业银行临柜业务流程再造研究

发布时间：2019-01-15 09:10

【摘要】：随着中国入世和金融体制改革的不断深入,我国商业银行尤其是国有商业银行将面临资本约束、利率市场化等金融环境的巨变,国有商业银行组织架构的局限性将日益明显,市场竞争力也将逐渐减弱。业务流程再造正是国有商业银行面对这种日益变化的经营环境所做出的一种积极的变革措施。目前,关于银行流程再造的文献有很多,但以理论介绍居多,具体到银行业务流程再造的文献却较少,且与中国银行业实际结合不强。本论文按照业务流程再造的原理和方法,选择了浙江农行的临柜业务流程进行了分析研究,在阐述临柜业务操作流程发展概况的基础上,剖析了浙江农行临柜业务操作流程存在的问题,从完善政策制度,整合系统应用、优化作业流程等方面提出了较为科学、合理、可行的临柜业务流程再造思路和方案,指出了浙江农行临柜业务流程再造的必要性,并对会计业务、信贷业务流程再造的具体实施进行了探讨。本文采用实证分析法和比较分析法,提出了浙江农行业务流程再造的目标、原则和再造思路,重点从浙江农行临柜会计、信贷等核心业务流程入手,进行了具体的方案设计。接着,提出了业务流程再造方案评价指标,介绍了评价方法,然后运用相关评价方法对浙江农行业务流程再造方案进行了较为详细的阐述,并对客户满意度评价模型进行了实证分析。最后对全文进行了总结。在全球背景下,浙江省农业银行业务流程再造的关键是在明确的目标指引下,处理好远景规划和分步推进的关系,逐步实施业务流程再造。通过不断的连续性的改进,优化各项业务流程,改善与客户的关系,提高运营绩效,重新塑造银行的竞争优势。
[Abstract]:With China's entry into WTO and the deepening of financial system reform, Chinese commercial banks, especially state-owned commercial banks, will be faced with capital constraints, interest rate marketization and other financial environment changes, the limitations of the organizational structure of state-owned commercial banks will become increasingly obvious. Market competitiveness will also gradually weaken. Business process Reengineering (BPR) is a positive measure for state-owned commercial banks to face the changing business environment. At present, there are a lot of documents about bank process reengineering, but most of them are introduced in theory, but there are few documents on bank business process reengineering, and the combination with Chinese banking industry is not strong. According to the principle and method of business process reengineering, this paper chooses Zhejiang Agricultural Bank's business process to carry on the analysis and research, on the basis of expounding the general situation of the business operation process, This paper analyzes on the problems existing in the operation process of Zhejiang Agricultural Bank's temporary cabinet business, and puts forward a scientific, reasonable and feasible train of thought and scheme for reengineering the business process of Zhejiang Agricultural Bank from the aspects of perfecting the policy system, integrating the application of the system, optimizing the operation process, and so on. This paper points out the necessity of business process reengineering (BPR) of Zhejiang Agricultural Bank, and probes into the concrete implementation of accounting business and credit business process reengineering. This paper puts forward the objectives, principles and reengineering ideas of Zhejiang Agricultural Bank's business process reengineering by means of empirical analysis and comparative analysis, focusing on the key business processes of Zhejiang Agricultural Bank, such as temporary accounting, credit and other core business processes, and carries out concrete project design. Then, the evaluation index of business process reengineering scheme is put forward, and the evaluation method is introduced, and then the business process reengineering scheme of Zhejiang Agricultural Bank is expounded in detail by using relevant evaluation methods. And the evaluation model of customer satisfaction is analyzed empirically. Finally, the full text is summarized. Under the global background, the key to business process reengineering of Agricultural Bank of Zhejiang Province is to deal with the relationship between long-term planning and step by step process reengineering step by step under the guidance of clear objectives. Through continuous improvement, optimize the business process, improve the relationship with customers, improve operational performance, re-shape the competitive advantage of the bank.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【相似文献】